Senior Accountant- Mortgage & Securitization

Jobless; Northern (KY); Hybrid; USD 90,000 - 120,000; Full time

Job summary

Visio Lending is seeking a Senior Accountant to own accounting for mortgage loans, securitization trusts, warehouse facilities, and related financing activities. You will support monthly closes, GAAP reporting, and external audits while driving process improvements and strong internal controls.

Ideal candidates have 5+ years of accounting experience, solid U.S. GAAP knowledge, and advanced Excel skills. Remote/hybrid work options are available nationwide in the United States.

Qualifications

• Bachelor's degree in accounting or finance.
• 5+ years of progressive accounting experience.
• Strong knowledge of U.S. GAAP.
• Advanced Excel with Pivot Tables and complex formulas.
• Experience preparing journal entries, reconciliations, and month-end close.
• Strong written and verbal communication skills.
• Ability to prioritize deadlines while maintaining accuracy.
• Ability to work independently and collaboratively.

Responsibilities

• Prepare monthly accounting for mortgage loans, securitization trusts, warehouse facilities, and related financing transactions.
• Review and reconcile monthly servicing reports from third-party servicers and external calculation agents.
• Prepare complex journal entries and supporting documentation for mortgage loans, interest income, servicing activity, securitizations, and corporate accounting.
• Perform monthly balance sheet reconciliations and investigate reconciling items to ensure timely resolution.
• Analyze principal, interest, escrow, advances, servicing fees, and other loan activity for accuracy and completeness.
• Reconcile loans sold to investors and capital partners and resolve reporting discrepancies.
• Prepare accounting for expenses, accruals, and other accounting activities.
• Assist in the accounting and reporting of mortgage-backed securities, asset-backed notes, warehouse facilities, and other financing arrangements.
• Support monthly, quarterly, and annual financial reporting in accordance with U.S. GAAP.
• Prepare audit schedules and workpapers and respond to requests from external auditors.
• Assist with compliance reporting required by warehouse lenders, capital partners, investors, and other external stakeholders.
• Identify opportunities to automate accounting processes, improve reporting, and strengthen internal controls.
• Perform analytical reviews of financial results and investigate unusual fluctuations or trends.
• Collaborate with Servicing, Capital Markets, Operations, FP&A, and Information Technology to improve accounting processes and reporting.
• Assist with implementation and optimization of accounting systems, including NetSuite, SBO, and other financial applications.
• Identify accounting issues requiring technical evaluation and support the Controller and Chief Accountant in researching and implementing accounting guidance.
• Support special projects, acquisitions, new financing transactions, and other strategic initiatives.
• Managing other responsibilities and duties as assigned based on business needs.

Skills

GAAP accounting

Advanced Excel

Journal entries

Account reconciliations

Month-end close

Written communication

Prioritization

Independent work

Team collaboration

Education

Bachelor's degree

Tools

NetSuite

Power BI

Power Query

SQL

Job description

The Opportunity

As a Senior Accountant- Mortgage & Securitization at Visio Lending, you will play a key role in ensuring the accuracy of our financial operations. You will be responsible for the accounting and financial reporting for mortgage loans, securitization transactions, warehouse financing, and corporate activities while supporting the monthly close and GAAP financial reporting. Working cross-functionally with internal teams and external partners, you will drive process improvements, maintain strong internal controls, and help support the company's continued growth.

What You'll Do

• Prepare monthly accounting for mortgage loans, securitization trusts, warehouse facilities, and related financing transactions
• Review and reconcile monthly servicing reports from third-party servicers and external calculation agents
• Prepare complex journal entries and supporting documentation for mortgage loans, interest income, servicing activity, securitizations, and corporate accounting
• Perform monthly balance sheet reconciliations and investigate reconciling items to ensure timely resolution
• Analyze principal, interest, escrow, advances, servicing fees, and other loan activity for accuracy and completeness
• Reconcile loans sold to investors and capital partners and resolve reporting discrepancies
• Prepare accounting for expenses, accruals, and other accounting activities
• Assist in the accounting and reporting of mortgage-backed securities, asset-backed notes, warehouse facilities, and other financing arrangements
• Support monthly, quarterly, and annual financial reporting in accordance with U.S. GAAP
• Prepare audit schedules and workpapers and respond to requests from external auditors
• Assist with compliance reporting required by warehouse lenders, capital partners, investors, and other external stakeholders
• Identify opportunities to automate accounting processes, improve reporting, and strengthen internal controls
• Perform analytical reviews of financial results and investigate unusual fluctuations or trends
• Collaborate with Servicing, Capital Markets, Operations, FP&A, and Information Technology to improve accounting processes and reporting
• Assist with implementation and optimization of accounting systems, including NetSuite, SBO, and other financial applications
• Identify accounting issues requiring technical evaluation and support the Controller and Chief Accountant in researching and implementing accounting guidance
• Support special projects, acquisitions, new financing transactions, and other strategic initiatives.
• Managing other responsibilities and duties as assigned based on business needs
• Available Remote Locations: AL, AR, AZ, FL, GA, IL, IN, KS, KY, LA, NC, SC, TX, UT
• Salary Range: $90,000 - $120,000 (Exempt level position)

What we are looking for

• Bachelor’s degree in accounting or finance
• 5+ years of progressive accounting experience
• Strong knowledge of U.S. GAAP accounting
• Advanced Microsoft Excel skills, including Pivot Tables, and complex formulas
• Experience preparing journal entries, account reconciliations, and month-end close activities
• Strong written and verbal communication skills
• Ability to prioritize multiple deadlines while maintaining a high degree of accuracy
• Ability to work independently and collaboratively

What we prefer to find

• Experience in mortgage banking, mortgage servicing, mortgage REITs, or financial services
• Experience with mortgage loan accounting, warehouse lending, securitizations, or capital markets transactions
• Experience with NetSuite
• Experience with financial reporting and external audits
• Experience using SQL, Power Query, Power BI, or other reporting and analytics tools
• Understanding of mortgage servicing, loan remittances, investor reporting, and interest calculations

Visio Lending does not accept unsolicited resumes or services from third-party recruitment agencies. In the event, that a recruiter or agency submits a resume or candidate without an agreement Visio Lending shall explicitly reserve the right to pursue and hire those candidate(s) without any financial obligation to the recruiter or agency. Any unsolicited resumes, including those submitted to Visio Lending employees, shall be deemed the property of Visio Lending.

About Visio Lending

Visio Lending is the nation’s leader in rental home financing. Founded in 2012 in Austin, Texas, Visio enables small- to medium- sized investors to grow their rental home, and vacation rental portfolios. Headquartered in fantastic Austin, Texas, since late 2015, Visio has financed more than $1 billion in Rental360 loans. With more than $400 million in capital onboard, a proven record of investment grade bond issuance on Wall Street, and an outstanding 100+ team, Visio is poised for continued success.

Why We Love Working at Visio

We at Visio are passionate about working together towards our goals to continually push this company forward. We innovate, collaborate, celebrate team successes, and recognize individual accomplishments. At Visio Lending, you’ll work on meaningful initiatives that directly support real estate investors nationwide. We offer a collaborative culture, growth opportunities, and flexibility with remote or hybrid work options.

Visio Financial Services, Inc. is an Equal Opportunity Employer